Junior Credit Analyst

2 weeks ago


Reston, Virginia, United States John Marshall Bank Full time
Job Overview

The Credit Analyst I position at John Marshall Bank involves critical responsibilities in evaluating creditworthiness and managing financial documentation.

Key Responsibilities:
  • Conduct thorough reviews of financial statements, collateral, and other essential documents to assess commercial loan applications.
  • Engage in the credit approval process, ensuring compliance with lending policies and maintaining the integrity of the risk rating system.
  • Prepare detailed financial analyses and credit memos in collaboration with Commercial Bankers, ensuring objectivity and independence in evaluations.
  • Maintain comprehensive records to support informed lending decisions, analyzing historical and projected financial data, tax returns, and other relevant information to assess the financial health and credit standing of borrowers.
  • Handle both routine and complex transactions as assigned, demonstrating flexibility and expertise in credit analysis.
Qualifications:

Required:

  • Position based at the corporate office.
  • Bachelor's Degree in Accounting, Finance, or a related discipline from an accredited institution.
  • Proficient in Microsoft Office Suite, particularly Word and Excel.
  • In-depth understanding of commercial real estate, industrial loans, and asset-based lending within relevant economic sectors.

Preferred:

  • Experience in commercial credit analysis, underwriting, or completion of a formal credit training program.
  • Strong analytical and credit assessment skills.
  • Solid grasp of financial statements, including balance sheets, income statements, and cash flow statements.
  • Aptitude for learning internal banking systems and additional software tools.
  • Excellent interpersonal communication skills, combined with strong analytical and decision-making capabilities.

John Marshall Bank is committed to providing equal employment opportunities.



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